With the current situation surrounding the CoronaVirus (COVID-19), many people have questions in regards to how they may be covered by their health insurance. For high risk groups such as seniors it is important to know what is available to you through Medicare. The Centers for Medicare and Medicaid (CMS) has decided that Medicare will cover lab tests for COVID-19 with no out-of-pocket costs, and when a vaccine is available that will also be covered. This does not include treatment for the virus, but does include all costs associated with being tested.
Some companies are responding by extending extra benefits to members such as covering some treatment costs, extending the use of tele-medicine, and some home health benefits. Local pharmacies are also being allowed by insurance carriers to fill prescriptions earlier than usual to meet extended supply needs, allowing members to stay safe at home. These benefits are being met by most insurance carriers and it is important to know what is available to you. Call your health insurance agent or the customer service number on the back of your card to get the information needed to make important decisions surrounding COVID-19.
Keep in mind that those with Medicare Supplement plans are able to make changes to their plan any time of year. Anytime you change these plans you will have to qualify through medical underwriting. It may be worth taking a look at a new plan to see if you can save money on your monthly premiums.
At Kentucky Health Solutions, in Lexington, KY, we have licensed agents that are happy to help with the review of Medicare Supplement plans any time of year. We are an independent agency that works with all of the national carriers, and more, to help find you the best benefits and price for your health care coverage. We also work with Medicare Advantage plans that can be changed for the upcoming year during the open enrollment period October 15th-December 7th.
Visit our website or Facebook keep up to date on all things health care. You can also contact us on our office phone at 859-309-5033 for any questions. If you would like to set up an appointment, we can meet in-person, video call or by phone.